Whilst you have a point, you are talking about a small minority of players here.
Not all players can retire early, and several that have (at premiership level) have ran into issues with drink, drugs, depression and financial issues.
Most Championship players and below wouldn't be able to retire, some of them play more games than players in the premiership, as quite a few are also full internationals.
I get what you're saying, but people who aren't footballers run into those issues as well. I'm all for the people who generate the wealth that football brings, reap the majority of that wealth, but at the same time let's be real. Championship players earn more in two weeks than a lot of people earn in a year
Yes, footballers are going to live a lavish lifestyle and like most people can't manage their money well all in all but the idea that they need to earn as much as possible or they're going to run into financial difficulties is absurd. Having money, allows you to make more money. They don't have to be financial geniuses, they don't even have to do anything, if they lived a "normal" upper middle class life, their grandkids could probably survive off of what they earned in their playing careers.
Your job isn't going to give you more money, just because you spend it poorly. There are also sources of revenue for them after their playing days are done, sponsorships, punditry work, coaching (even if not at a big club) or as a manager.
That notwithstanding, although I think they should earn more because they're the real stars of the show not the club owners, I disagree with fans saying they need more money to be able to support themselves (what about the rest of us, who don't make their salaries in a year but we're the ones who basically allow football to be the money machine it is through ours support), I do understand from a human perspective how playing so many games can be tiring physically and mentally. I'd like fewer games, especially internationals but I understand the need to feed the beast.